USDA VS FHA in Fairfax, Fairfax County, VA

In 2026, the USDA loan limit in Fairfax, situated in Fairfax county, VA is $657,900, while the limit for FHA loans for a single-family home is $1,089,300.

Leverage the Lendersa® USDA loan calculator to compare the most competitive USDA versus FHA rates today. Evaluate the necessary income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding your decision on the best program in for your specific financial needs.

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2026 Loan Limits and Down Payment Requirements in Fairfax, Fairfax, VA

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Explore USDA and FHA Loan Offers in Fairfax, VA

The objectives of Lendersa® include swiftly connecting you with the most suitable USDA or FHA loan with minimal hassle. Begin by selecting one of three start options that lead to personalized lender matches and USDA loan opportunities.

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What Exactly is a USDA Loan in VA?

The USDA home loan, backed by the government through the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is accessible only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • First State Bank of Campbell Hill
  • 114 West Front Street, Campbell Hill, IL, 62916
  • The First State Bank of Campbell Hill was chartered in December 1921. In 1971, the bank relocated to a new facility where we currently reside. Over the years, the bank has continued to grow and now has assets totaling approximately 105 million dollars. Part of this growth was due to the acquisition of the Coulterville Banking Center in October 2003

  • Fedmont Federal Credit Union
  • 330 Eastdale Cir, Montgomery, AL, 36117
  • Fedmont FCU was formed by eight original members working in the old Federal Courthouse in 1960 to serve the employees of federal agencies also working in the courthouse at that time. After meeting strict standards, the National Credit Union Administration issued Charter #14026 to what was then known as Alabama Fedmont FCU.

  • MAX Credit Union
  • 400 Eastdale Circle, Montgomery, AL, 36117
  • MAX is a not-for-profit financial cooperative serving central and east Alabama and west Georgia. MAX is a full-service institution with several branch locations, myMAX.com, and MAX Online & Mobile banking services. See myMAX.com for our branch locations. As a full service financial institution, MAX offers business &, savings, home mortgages

  • Real Estate Funding
  • 8421 Crossland Loop, Montgomery, AL, 36117
  • The Real Estate Funding team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • Mayville Savings Ban
  • 200 S. Main St., Mayville, WI, 53050
  • On February 1, 1922, the Mayville Savings and Loan Association first opened for business. Our local “Building & Loan” was created to serve two local needs — first, to promote housing by offering affordable home loans to all residents and second, to provide a means for people to safely save money by depositing small sums on an installment basis.

  • Team Get It Done
  • 105 South Main Street, Suite L, Mayville, WI, 53050
  • Team Get It Done is a Wisconsin based mortgage team. Specializing in Purchase and Refinance, First Time Home Buyer loans; FHA; USDA; VA; Conventional & Jumbo loans. With experience in all levels of the Mortgage Industry from $40, 000 FHA loans to $3MM Jumbo loans Team Get It Done has the knowledge & experience necessary to turn dreams to reality.

  • Mason City National Bank
  • 104 W Pine St., Mason City, IL, 62664
  • We are very proud to be a part of this great community! We are dedicated to providing our customers with the very best of personalized service by offering a wide array of financial products that can be tailored to fit your needs. As our track record shows, we have always felt the people of our community are the best investment we can make.

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  • 10225 N. Knoxville Ave, Peoria, IL, 61615
  • Better Banks is an employee-owned community bank offering all of the same financial solutions as other banks, but we're right here and committed to our local communities. Since 1898, Better Banks has been serving the banking needs of our local community. As a community bank, we support our local economy by providing loans to the neighborhoods.

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  • Byron Bank
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  • Byron Bank is to help people fulfill their financial dreams and goals. We specialize in mortgage lending and originate hundreds of mortgages a year. Our experienced and professional mortgage lending team is committed to assisting clients with the local knowledge and quality service they need to purchase the home of their dreams.

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  • 820 McKinley Avenue, Bartonville, IL, 61607
  • Redbrand Credit Union is a not-for-profit financial institution. We are here to serve our member’s financial needs. Our products and services are as diverse as our membership. Our core values are as strong as the steel forged in the factory from where we found our humble beginnings. We’re here to serve you.

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  • 7693 State Highway M123, Newberry, MI, 49868
  • We are recognized as one of the outstanding credit unions in the state and have an established reputation for excellent service & reasonable rates.CREDIT UNIONS are organizations of PEOPLE, not money. Our mission at Tahquamenon Area Credit Union is to provide you, our member & friend, products & services to meet your needs in a safe & sound manner.